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American Coastal Insurance (ACIC)
NASDAQ:ACIC
US Market

American Coastal Insurance (ACIC) Ratios

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American Coastal Insurance Ratios

ACIC's free cash flow for Q4 2025 was $0.89. For the 2025 fiscal year, ACIC's free cash flow was decreased by $ and operating cash flow was $0.45. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.00 0.00 0.00 2.03 17.30
Quick Ratio
0.00 0.00 0.00 11.60 20.23
Cash Ratio
0.00 0.00 0.00 1.84 1.71
Solvency Ratio
0.23 0.25 0.09 0.36 -0.15
Operating Cash Flow Ratio
0.00 0.00 0.00 -1.80 -1.29
Short-Term Operating Cash Flow Coverage
0.00 178.45 0.00 0.00 -82.24
Net Current Asset Value
$ -153.96M$ -153.96M$ -980.45M$ -737.86M$ -694.85M
Leverage Ratios
Debt-to-Assets Ratio
0.19 0.19 0.13 0.14 0.05
Debt-to-Equity Ratio
0.49 0.49 0.65 0.89 -0.83
Debt-to-Capital Ratio
0.33 0.33 0.39 0.47 -4.98
Long-Term Debt-to-Capital Ratio
0.32 0.32 0.39 0.47 -4.66
Financial Leverage Ratio
2.63 2.63 5.16 6.28 -15.76
Debt Service Coverage Ratio
11.95 12.33 8.10 9.81 0.71
Interest Coverage Ratio
13.20 13.20 9.30 8.83 0.18
Debt to Market Cap
0.28 0.25 0.23 0.35 3.30
Interest Debt Per Share
3.42 3.43 3.44 3.68 3.71
Net Debt to EBITDA
-0.83 -0.79 0.12 0.09 -2.32
Profitability Margins
Gross Profit Margin
63.81%86.27%52.70%53.69%19.78%
EBIT Margin
45.82%45.78%38.31%40.56%5.06%
EBITDA Margin
49.30%51.92%41.30%44.59%15.62%
Operating Profit Margin
42.59%42.55%37.62%36.44%0.76%
Pretax Profit Margin
42.59%42.55%34.27%36.44%0.76%
Net Profit Margin
31.88%31.85%25.52%117.53%-212.81%
Continuous Operations Profit Margin
31.87%31.84%25.73%32.31%-11.12%
Net Income Per EBT
74.85%74.85%74.48%322.56%-27950.92%
EBT Per EBIT
100.00%100.00%91.10%100.00%100.00%
Return on Assets (ROA)
12.80%12.80%6.23%29.23%-16.55%
Return on Equity (ROE)
35.67%33.64%32.13%183.63%260.77%
Return on Capital Employed (ROCE)
17.10%17.10%9.18%9.76%0.06%
Return on Invested Capital (ROIC)
12.79%12.79%0.00%20.17%-0.91%
Return on Tangible Assets
13.84%13.84%6.58%31.23%-16.98%
Earnings Yield
19.51%17.45%11.76%73.21%-1029.59%
Efficiency Ratios
Receivables Turnover
4.76 4.76 0.96 0.68 0.26
Payables Turnover
0.00 0.00 0.83 1.62 1.69
Inventory Turnover
0.00 0.00 0.00 -0.17 -0.45
Fixed Asset Turnover
463.50 463.95 51.72 62.48 11.27
Asset Turnover
0.40 0.40 0.24 0.25 0.08
Working Capital Turnover Ratio
-2.05 1.85 7.59 0.23 0.12
Cash Conversion Cycle
76.73 76.66 -58.94 -1.85K 353.62
Days of Sales Outstanding
76.73 76.66 381.40 535.36 1.38K
Days of Inventory Outstanding
0.00 0.00 0.00 -2.16K -812.02
Days of Payables Outstanding
0.00 0.00 440.34 225.97 216.17
Operating Cycle
76.73 76.66 381.40 -1.63K 569.79
Cash Flow Ratios
Operating Cash Flow Per Share
1.46 1.47 5.09 -3.12 -4.02
Free Cash Flow Per Share
1.46 1.46 5.09 -3.12 -4.09
CapEx Per Share
<0.01 <0.01 <0.01 <0.01 0.07
Free Cash Flow to Operating Cash Flow
1.00 1.00 1.00 1.00 1.02
Dividend Paid and CapEx Coverage Ratio
458.23 2.91 10.09 -693.89 -30.72
Capital Expenditure Coverage Ratio
458.23 458.23 11.07K -693.89 -56.81
Operating Cash Flow Coverage Ratio
0.46 0.46 1.60 -0.91 -1.15
Operating Cash Flow to Sales Ratio
0.21 0.21 0.82 -0.52 -0.78
Free Cash Flow Yield
12.92%11.58%37.82%-32.17%-386.02%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
5.13 5.73 8.50 1.37 -0.10
Price-to-Sales (P/S) Ratio
1.64 1.83 2.17 1.61 0.21
Price-to-Book (P/B) Ratio
1.73 1.93 2.73 2.51 -0.25
Price-to-Free Cash Flow (P/FCF) Ratio
7.75 8.64 2.64 -3.11 -0.26
Price-to-Operating Cash Flow Ratio
7.72 8.62 2.64 -3.11 -0.26
Price-to-Earnings Growth (PEG) Ratio
0.20 0.15 -0.11 >-0.01 >-0.01
Price-to-Fair Value
1.73 1.93 2.73 2.51 -0.25
Enterprise Value Multiple
2.50 2.73 5.38 3.69 -0.99
Enterprise Value
411.38M 475.03M 659.11M 433.86M -34.21M
EV to EBITDA
2.49 2.73 5.38 3.69 -0.99
EV to Sales
1.23 1.42 2.22 1.65 -0.15
EV to Free Cash Flow
5.80 6.70 2.71 -3.19 0.19
EV to Operating Cash Flow
5.79 6.69 2.71 -3.19 0.20
Tangible Book Value Per Share
5.23 5.25 3.56 2.31 -5.86
Shareholders’ Equity Per Share
6.53 6.55 4.93 3.87 -4.19
Tax and Other Ratios
Effective Tax Rate
0.25 0.25 0.25 0.11 15.61
Revenue Per Share
6.89 6.92 6.20 6.05 5.13
Net Income Per Share
2.20 2.20 1.58 7.11 -10.91
Tax Burden
0.75 0.75 0.74 3.23 -279.51
Interest Burden
0.93 0.93 0.89 0.90 0.15
Research & Development to Revenue
0.00 0.00 1.21 0.00 0.00
SG&A to Revenue
0.06 0.00 0.12 0.12 0.14
Stock-Based Compensation to Revenue
0.27 0.67 <0.01 <0.01 <0.01
Income Quality
-0.66 -0.11 3.22 -0.44 0.37
Currency in USD